But this time, Dasu didn't think of the pain of fate.

Wang Ju not only paid off the arrears for him, but also gave a lot of money to Xiao Su. Now he will not let Xiao Su transfer it to Da Su, but when he is almost through and knows the difficulty of life, Xiao Su will hand over the money to Da Su.

If Da Su still doesn't wake up, has money in his hands, and eats and drinks as before, and has fun with prostitutes, Wang Ju has no choice.

In fact, Xiao Su was speechless after receiving Wang Ju's letter, he was so innocent and romantic big brother, but he was the eldest brother, and the eldest brother was like a father, what should he do?

So this statistic is really important.

However, this is not what Wang Ju said.

The so-called bank will not have all the functions of a bank in later generations. But if it does, it will have an incomparable miracle effect.

First of all, the need for money will be satisfied.

If the bank has 10 million taels of silver and 1 million taels of gold as the principal, their actual value is more than 50 million yuan. Then there is Jiaozi, not the kind of Jiaozi of the imperial court, but the kind of new Jiaozi on the other side, with a variety of exquisite silk silk Jiaozi, and then with a variety of gold and silver filigree and printing patterns to do anti-counterfeiting identification, the denomination is also very small, the actual cost of this Jiaozi can reach half of the denomination of Jiaozi. And it has already been released, and I believe it will be spread to the Central Plains soon.

Then with these principals, as well as Jiaozi with a certain cost, the imperial court can issue nearly 100 million new Jiaozi.

The problem of money shortage in the Song Dynasty was immediately alleviated.

But the key is to ask for this principal, and this problem is relatively easy to solve.

Wang Ju sent a lot of people to look for silver mines in the Wa Kingdom, and now he has only found three small silver mines, which is definitely not possible. Therefore, Wang Ju asked Liu Shao to go to the Wa Kingdom first to discuss with those powerful people. If a silver mine is found. He is responsible for the funding, technology and materials to support the mining process. Including gunpowder, the other party was responsible for the craftsmen and miners, and the silver issued must be handed over to the Song Dynasty, but not handed over, but exchanged for equivalent Song Dynasty goods, that is, it would not make the other party's various magnates suffer any losses. However, when exchanging the goods of the Song Dynasty, Wang Ju was equivalent to earning a huge difference in the middle and the silver he wanted the most.

And in the future, all the magnates of the Wa Kingdom fought for these silver mines, or turned the world upside down. It has nothing to do with the craftsmen in charge under Wang Ju.

This proposal also moved the hearts of various elites.

Therefore, many powerful people of the Japanese kingdom have also dispatched a large number of people to assist, and the number of people looking for silver mines has reached nearly 1,000 at the peak. It's such a big place, and it's a volcanic belt, so many people are looking for minerals, I believe it won't be long before good news comes.

At the same time, Wang Ju also sent a small number of ships to the Great Food Trade, not only to make money, but more importantly, to earn gold and silver over there.

Therefore, even if there is no vein gold mine, as long as the imperial court cooperates a little, I believe that it will take about five years. Wang Ju was able to gather 10 million taels of silver and 1 million taels of gold for the Song Dynasty.

The second is profitability.

The money shortage in the Song Dynasty was very serious, and the people took out cloth and silk to trade. No one trades. However, the government took out hundreds of thousands of copper coins to distribute them, and immediately disappeared like spilled water. Therefore, later Dasu said in Hangzhou: Zhejiang is known as a money shortage, especially today, and the people enter the market with silver silk cotton, and there is no one to care about. Pledge banks are often closed during the day. According to Su Shi, at that time, the market in Zhejiang could not trade due to a lack of cash, and the pawnshop was closed during the daylight due to the lack of cash.

But was the Song Dynasty really short of copper coins?

You must know that the Song Dynasty minted more than 5 million coins at a time at the highest time in history, although it was not minted every year, but it was also often minted, on average, it was minted on a large scale every two or three years. Moreover, there are old coins handed down from the Five Dynasties, Ten Kingdoms and even the Tang Dynasty in circulation.

After Wang Ju's promotion, there was a record of more than 8 million coins in the year before last.

There are many copper coins that have been passed down to foreign countries, including the Liao, Western Xia, Jiaozhi, Goryeo, and South China Sea countries, and a small number of copper coins have been smelted into copper mirrors, bronze statues, copper basins and other utensils by unscrupulous merchants, but most of the copper coins have remained.

Why is there a shortage of money?

The main reason is that the economy of the Song Dynasty was prosperous, and there was a serious shortage of copper coins, and the more insufficient copper coins were, the more nervous they were, so many people collected copper coins outside the heavy treasure (big money) at home, and even used dozens of large houses to put money, and as for small households, they buried the money in the ground.

That is, although these copper coins have been minted, they have become dead money and rarely circulate.

If the bank comes out, and there is no nonsense, it maintains a good reputation, so that the people have the idea that it is better to put it in the bank than to put it at home, and at the same time it will pay some interest to the people, then the money will go to the bank, and then use the means of lending, and all the copper coins will be re-circulated.

Then these deposits and the new exchanges that have been added one after another may bring more than 10 million yuan of direct income to the imperial court in a year.

And that's not all.

Now the largest currency transaction volume in the Song Dynasty is not copper coins, but cloth!

However, many transactions are cloth in themselves, and few are traded with copper coins, and as for gold and silver itself, which are insufficient, who uses them to trade? Therefore, they often have to barter. Think about large-scale transactions, barter, how troublesome is it?

As a result, Jiaozi salt money tea quotation appeared.

However, there are not many ministers who really understand the economy, although these three things are convenient, but the credibility has been insufficient, not only the exchange is troublesome, often when the court can not pay, rudely use the new banknotes to replace the old banknotes, but also continue to use paper for paper!

But at present, it is not bad, although the imperial court has issued many jiaozi, the number has been controlled. However, as we went on, the whole paper began to flood with money. And then the whole credibility collapsed......

Therefore, Wang Ju has been emphasizing that gold and silver are the principal, and the number of Jiaozi cannot exceed twice the principal, even if the new Jiaozi is used.

So if it can be successful, large-scale transactions will become extremely convenient, such as bringing a batch of bamboo paper from Hangzhou to Shaanxi, it turned out to be very troublesome, and you have to bring a large number of goods back, now it's okay, bring a passbook, the money will be earned, and the imperial court will also get the handling fee for the exchange between the two places.

And trade will also prosper, so the imperial court can increase the income of commercial taxes.

Finally, there is the direct stimulus to the economy.

Two simple examples, because of the lack of funds, the loan shark is too black-hearted. Many merchants sailed together to trade overseas. That's it. Many ships are also afraid to fill their cargo, but the advent of low-interest bank loans will not cause this to happen.

For another example, most of the houses in the Song Dynasty are low and small with thatched eaves, and the grass on the stream is green grass, that is, thatched houses, and only a few people are green brick and brown tile houses or wooden buildings.

But brick technology has matured, and coal production is booming.

If there is a bank. Local governments can issue loans to merchants to stimulate the production of various brick kilns. At least the fourth-class households in a slightly better situation can build brick houses. However, this is a bit troublesome, because the imperial court is taxed by the equal, how to calculate the tax, arable land and houses and other property, so the people do not dare to raise cattle, cattle are wealth. Then the house is even more wealth. However, it is not difficult to stimulate, as long as an edict is issued, ordinary brick houses are not included in the property income of other households. As long as it brings more income to the imperial court, I believe that this edict will be easy to pass.

So how much will the economy pull. And how much commercial tax could the imperial court get?

If these two things can be combined, it will be more than 20 million yuan in income!

Until this time. Wang Jucai said his thoughts one by one.

This is a good measure for the country to use itself without coercing the people.

"Gold and silver are the key to health."

"Your Majesty, gold and silver are key, but a perfect system and talents are also key. Otherwise, even if the banking department is launched, the imperial court may not have much to gain. ”

Even the banks of later generations still produced a lot of corruption and misappropriation.

"Also, in fact, the direct income of the banking department may not be too high, and the income of various industries generally wants to exceed two cents, which is really very rare. Of course, if you can't survive, borrowing a small amount of money is also a way out when you are in an emergency. Therefore, the minister's view of the green seedling loan is neutral, the bad side is that the interest rate is too high, half a year, or even four points a year, mainly to collect wealth, forced apportionment, the good side, it is true that sometimes some people are saved because of it. At least it's much better than those big guys with more than six points plus a roll. ”

"However, if this kind of interest is to be paid to the various merchants and workshops, it is impossible. This is also the reason why I succeeded in Gyeongju and the imperial court failed, one is one cent of interest, the other is two points of three points of interest, the former is loaned by someone, and the latter is loaned by whom? However, some of the previous measures have laid the foundation to some extent, and the appearance of the Post Department and the Flying Money Division has made many officials familiar with the circulation and transfer of money and silk, and the practice of ministers in Gyeongju has also made a good reference for how officials can deposit and lend money in the future. ”

"However, one is a low-interest loan, and on the other hand, it has to pay interest to the people who have deposited, even if it is like the minister or Qingmiao loan, using the property of each common person as collateral, I am afraid that there will be a lot of dead debts, so the final income will not be too much. Why does Kechen attach great importance to it, the direct income may not be able to account for more than half, but there is another income, that is, commercial tax. ”

"The minister said before that the property of the state and the people is not immovable as Sima Guang said. Just like the Tang Dynasty, the people were closed, so the economy was very closed. However, our dynasty is different, Zhou Shizong used his status as a businessman when he was a teenager to earn a lot of wealth for Zhou Taizu. The two ancestors of our dynasty inherited some of the policies of Zhou Shizong, so they attached more importance to commerce than the Tang Dynasty and did not prohibit the movement of the people, and these measures made the finance of our dynasty reach several times that of the Tang Dynasty. So can it go further? ”

That is, the Qi business tax.

The emergence of the banking department will undoubtedly further stimulate the development of industry and commerce, but if the imperial court cannot collect taxes, it will not generate direct revenue. Although the prosperity of industry and commerce will feed many people, without direct income, how many people can be supported in exchange? To put it seriously, when the economy of the Ming Dynasty is not prosperous, it is prosperous, but the situation is more serious when the two ends are small and the middle is large. The gentry were rich, the poor people were even poorer, and the court was also seriously lacking in income.

A Xiaoice river arrived, and so the Ming Dynasty ended......

In fact, the Qi business tax that Wang Ju said may not be harmful to the interests of the powerful. The first is to ensure the longevity of the country, the second is to ease the pressure on the common people, and the third is to produce a better economic environment, with which the income of the various elites will inevitably increase.

Just like later China, there were more taxes than in the Song Dynasty today, but because of economic development, how many rich people were created? Especially those businessmen with backgrounds, how much have they benefited?

But Wang Ju just said, how many people can believe it now?

"It's hard."

"It's hard. When His Majesty issued an edict to transfer the minister to the Department of Regulations, why was the minister not happy? For no other reason, the Jiefu Gong changed the law, and many areas will indeed seriously disturb the people. But what the minister thinks is that the country is really not endowed and the country uses its own policy, and the way is different and does not conspire with each other, how can the minister be willing to stay in the Ordinance Division? ”

"But you didn't tell me."

"Your Majesty, then you are wrong to blame the minister, did the minister really not say it? So where did you cut down the army and strengthen the army? Where did the Fangchang River Ferry come from? Where did it come from to reduce the number of places in the imperial examination? And at that time, the imperial court was in such a serious deficit, although some of Jiefugong's practices were not good, but it was also an emergency measure. If there was no change in the law, how could the imperial court be financially rich today? In a dilemma, what does the minister say? ”

"But this business tax?"

"It's very troublesome, especially if it comes from the mouth of a minister."

"Why?"

"For example, this time, the minister proposed to cancel the City Yi Division and reset the Southern 12th Road Shipping Division. Now the court is very quiet, all waiting for the results of the three divisions to check the accounts. Once it comes out, there will be a huge controversy in the court immediately. ”

"What kind of controversy could it be?"

"Doctors who support the changes will think that I am going to cancel them one by one, and they will find many reasons not to support my proposal. The scholars who opposed the reform would think that this was a good opportunity, so they took the opportunity of the imperial court to discuss the abolition of the city and the various ills brought about by the change. Maybe it will be like Xiningchu again, causing a sensation in the government and the opposition. As for the minister's thoughts, who cares if he is caught between the two and gets angry? ”

Zhao Ji understood this.

So Wang Ju asked Zhao Niannu to invite Zhao Ji over, which is also the reason.

Put it here, if you have it, it's easy to say. But in the palace, maybe there are still a few eunuchs and palace maids waiting on the side, so what can Wang Ju say!

Zhao Ji thought about one thing in his mind again, Wang Ju is a lonely minister......

In fact, Wang Juzhen cannot be regarded as a lonely minister, and if this measure is implemented, although it may be dissatisfied and used by the ministers of the two factions, it will establish a huge prestige among the moderates!

Not to mention Wang Zhen, I'm afraid that even famous ministers such as Lu Gongshu, Fan Chunren and Wang Ju's "senior brother" Lu Dafang will immediately change their views on Wang Ju. (To be continued.) )